Also important to remember that most studies that quote statistics about condom use, use the "typical user" definitition. A typical condom user wears the condom most, but not all of the time.
The three months is timing. The majority of HPV infections will appear within 3 months of exposure, though some can show up much later.
HPV is very contagious, but I would guess that people who have sex only once with an infected partner are less likely to catch the virus than those who have regular sex. I don't think there are clear statistics for one time contact though.
Condoms provide some infection. I remember reading an article that states HPV transmission is 30% lower among couples who use a condom.
You are mistaken in the way you are interpreting "low risk" and "high risk". They do not mean the risk you have of receiving the virus if you come into contact with it. Instead...
Low risk is the type of hpv NOT related to causing cancers (these are the kind that cause warts)
High risk is the type of hpv that may cause cancer, although rarely.
Hence "low" and "high" but not the way you have been thinking about it.
My Best,
Rainn
so why are people saying it is low risk?
Yes Yes it can be from on encounter